Auto Insurance Claims/Bike Rack

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Question
The rear door (hatch) of my SUV was damaged by bike rack and bikes.  
1. The panel dented
2. The dent allowed the rack to contact the paint, rubbing thru over an 8 hour trip.
3. The bikes shifted allowing a handle bar to contact, wearing the handle grip to bare metal and gouging the paint.

There was no accident, no other vehicles involved.
1.  Will it be covered by car insurance?
2.  Would it be collision or comprehensive?

Answer
This will depend on the exact wording of your policy, and the way your company interprets that wording if it is unclear.  My company would cover this under Comprehensive.  I think most insurers would as well.  But it is possible they could try to deny the claim under the mechanical breakdown or wear and tear exclusion.  If they do, i would fight it.

Auto Insurance Claims

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Claims Guy

Expertise

I am currently an Auto Claims Manager for a large insurance company. I have 20 years experience in the industry, having worked as a Claims Adjuster, Injury Settlement Negotiator, Claims Manager, SIU/Fraud Investigator, and Compliance Officer......I can answer questions related to any aspect of Automobile insurance claims and coverages. I can provide an inside look at how insurers operate. I always treat my customers fairly and want to help make sure you are treated fairly. However, please keep in mind that being treated fairly according to the law does not guarantee that you will get what you want. I can also answer some questions regarding Homeowner's and other types of insurance claims. I have handled all types of auto insurance claims and coverages. I am NOT an automotive repair expert but can give advice re how insurers handle complex repair issues. Please keep in mind that every state has its own set of laws pertaining to rules of the road, liability, and insurance. No one is an expert on every state. I am most familiar with laws in Maryland, DC, West Virginia, and Virginia, but will attempt to answer questions for other states. I am not an attorney an cannot provide legal advice. My advice will be my opinion based on my experience.

Experience

I am currently an Auto Claims Manager for a large insurance company. I have 20 years experience in the industry, having worked as a Claims Adjuster, Injury Settlement Negotiator, Claims Manager, SIU/Fraud Investigator, and Compliance Officer. I am not an attorney an cannot provide legal advice. My advice will be my opinion based on my experience.

Organizations
CPCU Society. Adjusters license in multiple states. International Association of Specal Investigators

Education/Credentials
I have a B.S. in Finance and have completed the AIC and CPCU designations.

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